Well, for what it’s worth, I did this:
<?php if ($comment->user_id != 0) { $user_info = get_userdata($comment->user_id); ?><a href="<?php echo($user_info->user_url);?>"><?php comment_author() ?></a><?php } else { comment_author_link(); } ?>
This spits out the user-entered URL if the commenter isn’t registered – and if the user is registered, pulls the website URL from their profile instead.
Shouldn’t the system really be doing this automatically, though?